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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · VA
Assumable Loan + Second
Assumable · VA
Current Market Conventional
New · Conventional
Loan amount$377,680$377,680$495,000
Remaining term (yrs)28.028.030.0
Secondary amount$0$117,320$0
Funding fee$1,888$1,888$0
Note rate6.2%6.2%7.18%
Blended rate6.2%6.627%7.42%
1st payment$2,368.44$2,368.44$3,353.30
2nd payment$0.00$782.13$0.00
Taxes / mo$604.00$604.00$604.00
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$99.00
HOA / mo$0.00$0.00$0.00
Total monthly$3,139.10$3,921.24$4,222.97
Cash to close$172,320$55,000$55,000